The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
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COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Abbott Laboratories COM 002824100   1,113,657 10,998 SH   SOLE   10,998 0 0
AbbVie Inc. COM 00287Y109   1,830,205 11,484 SH   SOLE   11,484 0 0
Accenture Ltd. SHS CLASS A G1151C101   347,259 1,215 SH   SOLE   1,215 0 0
Aflac Inc COM 001055102   1,315,627 20,391 SH   SOLE   20,391 0 0
Agilent Technologies COM 00846U101   359,822 2,601 SH   SOLE   2,601 0 0
Air Products & Chemicals COM 009158106   345,226 1,202 SH   SOLE   1,202 0 0
Allstate Corporation COM 020002101   223,393 2,016 SH   SOLE   2,016 0 0
Alphabet Inc. Cl. A CAP STK CL A 02079K305   405,169 3,906 SH   SOLE   3,906 0 0
Alphabet Inc. Cl. C CAP STK CL C 02079K107   232,232 2,233 SH   SOLE   2,233 0 0
American Express Company COM 025816109   464,334 2,815 SH   SOLE   2,815 0 0
Amgen Incorporated COM 031162100   890,603 3,684 SH   SOLE   3,684 0 0
Amphenol Corp CL A 032095101   277,848 3,400 SH   SOLE   3,400 0 0
Analog Devices COM 032654105   420,670 2,133 SH   SOLE   2,133 0 0
Apple Inc. COM 037833100   3,167,285 19,207 SH   SOLE   19,207 0 0
Applied Materials COM 038222105   351,679 2,863 SH   SOLE   2,863 0 0
Archer-Daniels-Midland Co COM 039483102   1,094,210 13,736 SH   SOLE   13,736 0 0
AT&T Inc. COM 001957109   825,440 42,880 SH   SOLE   42,880 0 0
Automatic Data Processing COM 053015103   421,661 1,894 SH   SOLE   1,894 0 0
Avery Dennison Corp COM 053611109   362,691 2,027 SH   SOLE   2,027 0 0
Bank of America Corp COM 06605F102   876,455 30,645 SH   SOLE   30,645 0 0
Berkshire Hathaway Cl. B CL B NEW 084670702   1,039,140 3,365 SH   SOLE   3,365 0 0
Boeing Co COM 097023105   775,995 3,653 SH   SOLE   3,653 0 0
Bristol-Myers Squibb Co COM 110122108   1,161,913 16,764 SH   SOLE   16,764 0 0
Broadcom Inc. COM 11135F101   338,733 528 SH   SOLE   528 0 0
Cardinal Health Inc. COM 14149Y108   201,661 2,671 SH   SOLE   2,671 0 0
Carrier Global Corp. COM 14448C104   307,349 6,718 SH   SOLE   6,718 0 0
Caterpillar Inc COM 149123101   533,884 2,333 SH   SOLE   2,333 0 0
Centerpoint Energy COM 15189T107   256,361 8,702 SH   SOLE   8,702 0 0
Charles Schwab Corp. COM 808513105   390,650 7,458 SH   SOLE   7,458 0 0
Chevron Corporation COM 166764100   1,846,155 11,315 SH   SOLE   11,315 0 0
Cisco Systems Inc. COM 17275R102   818,261 15,653 SH   SOLE   15,653 0 0
Coca-Cola Company COM 191216100   282,829 4,560 SH   SOLE   4,560 0 0
Comcast Corporation Class A CL A 20030N101   379,290 10,005 SH   SOLE   10,005 0 0
ConocoPhillips COM 20825C104   536,825 5,411 SH   SOLE   5,411 0 0
Constellation Brands Cl. A COM 21036P108   533,552 2,362 SH   SOLE   2,362 0 0
Consumer Discretionery SPDR ETF SBI CONS DISCR 81369Y407   500,959 3,350 SH   SOLE   3,350 0 0
Corteva Inc. COM 22052L104   225,680 3,742 SH   SOLE   3,742 0 0
CVS Health Corp. COM 126650100   486,210 6,543 SH   SOLE   6,543 0 0
Deere & Co. COM 244199105   517,339 1,253 SH   SOLE   1,253 0 0
Disney (Walt) Co COM 254687106   574,645 5,739 SH   SOLE   5,739 0 0
Dominion Energy Inc. COM 25746U109   252,322 4,513 SH   SOLE   4,513 0 0
Dow Inc. COM 260557103   311,542 5,683 SH   SOLE   5,683 0 0
DuPont de Nemours Inc. COM 26614N102   231,674 3,228 SH   SOLE   3,228 0 0
Eaton Corp. SHS G29183103   234,393 1,368 SH   SOLE   1,368 0 0
Equifax Inc. COM 294429105   534,078 2,633 SH   SOLE   2,633 0 0
Exxon Mobil Corporation COM 30231G102   1,339,168 12,212 SH   SOLE   12,212 0 0
GE Healthcare Technologies Inc. COMMON STOCK 36266G107   248,715 3,032 SH   SOLE   3,032 0 0
General Dynamics Corp. COM 369550108   205,845 902 SH   SOLE   902 0 0
General Electric Company COM 369604103   886,977 9,278 SH   SOLE   9,278 0 0
Global Payments Inc. COM 37940X102   284,358 2,702 SH   SOLE   2,702 0 0
Goldman Sachs COM 38141G104   488,048 1,492 SH   SOLE   1,492 0 0
Goodyear Tire & Rubber Co COM 382550101   183,792 16,678 SH   SOLE   16,678 0 0
Hanes Brands COM 410345102   102,012 19,394 SH   SOLE   19,394 0 0
Hewlett Packard Enterprises COM 42824C109   718,204 45,085 SH   SOLE   45,085 0 0
Hexcel Corp. COM 428291108   250,273 3,667 SH   SOLE   3,667 0 0
Home Depot COM 437076102   2,100,272 7,117 SH   SOLE   7,117 0 0
Honeywell International Inc. COM 438516106   715,362 3,743 SH   SOLE   3,743 0 0
HP Inc. COM 40434L105   1,286,645 43,838 SH   SOLE   43,838 0 0
Illinois Tool Works COM 452308109   851,832 3,499 SH   SOLE   3,499 0 0
Intel Corp COM 458140100   1,690,758 51,753 SH   SOLE   51,753 0 0
International Business Machines COM 459200101   980,815 7,482 SH   SOLE   7,482 0 0
International Flavors and Fragrances COM 459506101   282,961 3,077 SH   SOLE   3,077 0 0
Invesco QQQ Trust UNIT SER 1 46090E103   524,548 1,634 SH   SOLE   1,634 0 0
iShares Core S&P Mid-Cap ETF CORE S&P MCP ETF 464287507   482,968 1,931 SH   SOLE   1,931 0 0
iShares Dow Jones U.S. Healthcare Sector Index US HLTHCARE ETF 464287762   357,584 1,310 SH   SOLE   1,310 0 0
iShares MSCI EAFE Growth Index EAFE GRWTH ETF 464288885   406,290 4,337 SH   SOLE   4,337 0 0
IShares MSCI EAFE Index MSCI EAFE ETF 464287465   1,494,225 20,892 SH   SOLE   20,892 0 0
iShares MSCI EAFE Small Cap Index EAFE SML CP ETF 464288273   414,487 6,965 SH   SOLE   6,965 0 0
iShares MSCI Emerging Markets ex-China MSCI EMRG CHN 46434G764   237,129 4,807 SH   SOLE   4,807 0 0
iShares Russell 2000 Growth Index RUS 2000 GRW ETF 464287648   384,233 1,694 SH   SOLE   1,694 0 0
iShares Russell 2000 Index RUSSELL 2000 ETF 464287655   1,719,426 9,638 SH   SOLE   9,638 0 0
iShares S&P 500 Index CORE S&P500 ETF 464287200   1,000,569 2,434 SH   SOLE   2,434 0 0
Johnson & Johnson COM 478160104   1,429,404 9,222 SH   SOLE   9,222 0 0
JP Morgan Chase & Co. COM 46625H100   3,700,934 28,401 SH   SOLE   28,401 0 0
Kellogg Company COM 487836108   385,087 5,751 SH   SOLE   5,751 0 0
Kemper Corporation COM 488401100   383,167 7,010 SH   SOLE   7,010 0 0
Keysight Technologies COM 49338L103   292,602 1,812 SH   SOLE   1,812 0 0
Kimberly-Clark Corp COM 494368103   1,355,841 10,102 SH   SOLE   10,102 0 0
L3Harris Technologies Inc. COM 502431109   602,064 3,068 SH   SOLE   3,068 0 0
Liberty Formula One Group COM SER A FRMLA 531229870   370,643 5,491 SH   SOLE   5,491 0 0
Lilly (Eli) & C. COM 532457108   536,765 1,563 SH   SOLE   1,563 0 0
Lowes Co Inc COM 548661107   237,657 1,188 SH   SOLE   1,188 0 0
Marathon Petroleum Corp. COM 56585A102   683,049 5,066 SH   SOLE   5,066 0 0
McDonalds Corp COM 580135101   1,297,111 4,639 SH   SOLE   4,639 0 0
McKesson Corporation COM 58155Q103   517,341 1,453 SH   SOLE   1,453 0 0
Medtronic Inc COM 585055106   442,443 5,488 SH   SOLE   5,488 0 0
Merck & Company Inc COM 58933Y105   926,388 8,707 SH   SOLE   8,707 0 0
Microsoft Corp COM 594918104   4,627,503 16,051 SH   SOLE   16,051 0 0
Motorola Solutions Inc. COM 620076307   351,654 1,229 SH   SOLE   1,229 0 0
NextEra Energy COM 65339F101   409,526 5,313 SH   SOLE   5,313 0 0
Norfolk Southern Corp COM 655844108   885,948 4,179 SH   SOLE   4,179 0 0
Northrop Grumman Corp COM 666807102   1,242,027 2,690 SH   SOLE   2,690 0 0
Occidental Petroleum COM 674599105   415,035 6,648 SH   SOLE   6,648 0 0
Oracle Corporation COM 68389X105   264,636 2,848 SH   SOLE   2,848 0 0
Pepsico Inc. COM 713448108   3,054,924 16,758 SH   SOLE   16,758 0 0
Pfizer Inc. COM 717081103   2,014,943 49,386 SH   SOLE   49,386 0 0
PG&E Corp COM 69331C108   207,607 12,839 SH   SOLE   12,839 0 0
Phillips 66 COM 718546104   355,742 3,509 SH   SOLE   3,509 0 0
Procter & Gamble Co. COM 742718109   1,457,120 9,800 SH   SOLE   9,800 0 0
QUALCOMM Inc. COM 747525103   746,366 5,850 SH   SOLE   5,850 0 0
Raytheon Technologies Corp. COM 75513E101   1,316,865 13,447 SH   SOLE   13,447 0 0
Reliance Steel & &Aluminum Co. COM 759509102   677,794 2,640 SH   SOLE   2,640 0 0
Schwab Emerging Markets Equity ETF EMRG MKTEQ ETF 808524706   894,514 36,481 SH   SOLE   36,481 0 0
Schwab International Equity ETF INTL EQTY ETF 808524805   6,498,865 186,749 SH   SOLE   186,749 0 0
Schwab U.S. Large-Cap ETF US LRG CAP ETF 808524201   23,059,817 476,738 SH   SOLE   476,738 0 0
Schwab U.S. Large-Cap Growth ETF US LCAP GR ETF 808524300   1,891,624 29,026 SH   SOLE   29,026 0 0
Schwab U.S. Large-Cap Value ETF US LCAP VA ETF 808524409   708,264 10,800 SH   SOLE   10,800 0 0
Schwab U.S. Mid-Cap ETF US MID-CAP ETF 808524508   1,558,854 22,975 SH   SOLE   22,975 0 0
Schwab U.S. Small-Cap ETF US SML CAP ETF 808524607   6,562,171 156,503 SH   SOLE   156,503 0 0
Southern Company COM 842587107   254,872 3,663 SH   SOLE   3,663 0 0
SPDR Dow Jones Industrial Avg. ETF UT SER 1 78467X109   376,904 1,133 SH   SOLE   1,133 0 0
SPDR S&P 500 ETF TR UNIT 78462F103   411,739 1,006 SH   SOLE   1,006 0 0
Stryker Corp. COM 863667101   396,803 1,390 SH   SOLE   1,390 0 0
Sysco Corp. COM 871829107   232,076 3,005 SH   SOLE   3,005 0 0
Technology Select Sector SPDR ETF TECHNOLOGY 81369Y803   681,055 4,510 SH   SOLE   4,510 0 0
Texas Instruments, Inc. COM 882508104   817,886 4,397 SH   SOLE   4,397 0 0
TJX Companies COM 872540109   396,031 5,054 SH   SOLE   5,054 0 0
Travelers Companies COM 89417E109   320,194 1,868 SH   SOLE   1,868 0 0
Union Pacific Corp. COM 907818108   270,091 1,342 SH   SOLE   1,342 0 0
UnitedHealth Group Inc. COM 910581107   6,499,765 13,753 SH   SOLE   13,753 0 0
Valero Energy Corp. COM 91913Y100   227,129 1,627 SH   SOLE   1,627 0 0
Vanguard Energy Sector ETF ENERGY ETF 92204A306   1,199,872 10,504 SH   SOLE   10,504 0 0
Vanguard FTSE All-World Ex-US Small Cap ETF FTSE SMCAP ETF 922042718   207,556 1,900 SH   SOLE   1,900 0 0
Vanguard FTSE Developed Markets ETF VAN FTSE DEV MKT 921943858   257,469 5,700 SH   SOLE   5,700 0 0
Vanguard Growth ETF GROWTH ETF 922908736   532,285 2,134 SH   SOLE   2,134 0 0
Vanguard Health Care Sector ETF HEALTH CAR ETF 92204A504   414,443 1,738 SH   SOLE   1,738 0 0
Vanguard Large Cap ETF LARGE CAP ETF 922908637   511,859 2,740 SH   SOLE   2,740 0 0
Vanguard Mid-Cap ETF MID CAP ETF 922908629   387,825 1,839 SH   SOLE   1,839 0 0
Vanguard Small Cap Value ETF SM CP VAL ETF 922908611   317,280 1,998 SH   SOLE   1,998 0 0
Vanguard Small-Cap Growth ETF SML CP GRW ETF 922908595   444,723 2,055 SH   SOLE   2,055 0 0
Verizon Communications COM 92343V104   1,022,885 26,302 SH   SOLE   26,302 0 0
Viatris Inc. COM 92556V106   410,562 42,678 SH   SOLE   42,678 0 0
Walgreens Boots Alliance, Inc. COM 931427108   303,820 8,786 SH   SOLE   8,786 0 0
Wal-Mart Stores Inc COM 931142103   584,969 3,967 SH   SOLE   3,967 0 0
Wells Fargo COM 949746101   383,780 10,267 SH   SOLE   10,267 0 0
Weyerhaeuser Corp. COM NEW 962166104   256,858 8,525 SH   SOLE   8,525 0 0
White Mountain Insurance Group Ltd. COM G9618E107   322,333 234 SH   SOLE   234 0 0